If you’ve got a good job and make 50k+ a year, then it would seem like, given a year or two, you could probably arrange to have money down and not so bad credit. If you couldn’t, then you should deal with that problem first.

Assuming that you’ve found the house of your dreams, and need to buy NOW, then I’d recommend going through a mortgage broker – if anyone’s willing to give you a loan, the mortgage broker should be able to find them.

Do an internet search ("mortgage broker" Canada), and you’ll probably get many. In Quebec, TMACC is supposed to be pretty big.
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I would check first with a credit union that you may belong to or could belong to. There are loans that are 80/20 where you essentially carry a 1st loan at 80% and a 2nd loan on 20% and then make a monthly payment on both. Also sometimes the seller may be willing to cover some of the closing costs as well.
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Try working with the seller on a contract, for 2 to 4 years, then improve your credit.
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This should not be a problem! There are many mortgage loan companies out there now that will work with you and whatever your financial situation. It is easier to own a home today than it has been before! You may have to swallow a higher interest rate but if you shop around and stay in your budget you can find a company to loan you money. In fact there are companies out there that actually do the shopping for you. You may want to look into an interest only loan, where your monthly payment is small BC it is on payment on interest owed. If you get on Yahoo search engine and start searching "home loans" "home loans with poor credit" and such, tons of options will be found. I just bought my first home last year and I went with A-america M-middle C-class Mortgage company. They offered me a larger loan with a nice interest rate and then a smaller loan with a higher rate. So, it may take some time but you can get a house if you really want!
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the lottery
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